Micro Loans

Helping Women of India realise their dreams


Key Features

Term loans through Joint Liability Group (JLG)


Loan available from Rs 15,000 to Rs 40,000 



Loan tenure ranges from 12 to 24 months



Easy monthly repayment schedule



Financing without any collateral security



Fixed processing fee of 1%





Small Ideas, Big Opportunities

An idea can come from anywhere, through anyone. But true progress means transforming the less privileged in low-income groups and creating an environment for them to flourish. Our focus is thus on those who lack the access to banking and related services, but who have the enthusiasm to find opportunity through all adversity. We identify and service these small dreams and turn them into solid success stories through our deep network of professionals with access to the remotest parts of the country. 


Micro Loans is a financial service aimed at providing small loans to low-income individuals. These individuals can find support from Micro Loans lenders.


L&T Financial Services launched its Micro Loans operation in July 2008. We have since been actively involved in helping the under-served get a sustainable livelihood through micro unsecured loans. L&T Financial Services now is one of the leading providers of Micro Loans in India.


Eligibility and Documentation:


You can be as young as 20 years or as old as 60 years to avail a micro loan from L&T Financial Services. Currently we lend loan to women borowers.


We will be taking into consideration your income generating capacity to accept your application for a micro loan


The process is quite simple. We just need your Aadhar Card and also your Voter's ID card/Ration Card/MGNREGA Card to process the micro loan.